Guidance/Help with NES
The SOL period is only applicable for the private student loans, not the federal ones.
jan 2013 - NES payment plan expires
Are you making payments without a payment plan? How can you be sure that the account is really with them?
Unless you had an adversarial hearing and met the rules of the brunner test, your loans were not discharged. What you list on your petition is not necessesarily what is discharged...your discharge states "all dischargeable debts are discharged." Student loans are not discharable.
The bankrutpcy more than likely caused your private loan to default. Collection agencies as a general rule do not report to the CBR's and making payments on a default is not considered positive. FYI...your private loan will more than likely sue you prior to the SOL expiring....your base date for that would have been the date the loan was declared in default.
i just found my bankruptcy petition and this loan they are collecting on was included in the bankruptcy... does this mean i am not obligated to pay this loan? does the fact that i made payments on it change anything?
i believe this is a private student loan, NOT a federal loan. sorry, i should have specified that earlier.
for 2011 and 2012 i had a automatic debit payment plan with them. $50/ month in 2011 and $200/month in 2012.
i know they have it because the original lender told me over the phone.
currently i am trying to find out if somehow this debt was included in bankruptcy like how transunion is reporting. but thats a long shot because i am under the impression that student loans are not included in BK.
i also want to know why NES is not on my credit report under "collections" - normally wouldnt an account in collections be reported right away? I have no positive or negative reporting from them on either report. is it because i have been paying? will they report when i stop paying?